Insurance Sales CRM & AI Dialer

Your Agents Are Drowning in Renewal Lists.
Clozo Fixes That.

Your producers cold-call 50 businesses a day reading the same generic pitch — and close at 2%. Nobody knows which P&C policies expire next month. Renewal revenue leaks because expiration dates live in spreadsheets nobody checks. New agents take a year to land their first commercial account. Clozo ends all of it in one platform: AI-generated policy audit scripts, a Smart Queue that ranks your whole book and builds each producer's dial list, and coverage gap discovery that earns trust on the very first call — with the CRM, the cloud phone and power dialer, renewal email cadences with task reminders for the call and text touches, and an AI that re-scores each account the moment a call finishes transcribing, all built in. No stitching six tools together.

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Why Insurance Agencies Are Bleeding Revenue

Your Agency Is Losing Policies Every Single Month

These are the three problems killing premium volume at insurance agencies right now. If any of them sound familiar, your insurance lead management process needs Clozo.

Generic Scripts, 2% Close Rates

Your agents call 50 businesses a day reading the same generic script — "Hi, we'd love to review your insurance." Close rate: 2%. No mention of their specific coverage gaps, their EMR score, or the fact their GL policy is 3 years old and underwritten for half their current revenue. Without AI insurance sales scripts tailored to each prospect, every call sounds like every other broker.

Renewal Revenue Leaks Like a Sieve

Renewal dates live in a spreadsheet that nobody checks until it's too late. Last quarter your agency let $380K in commercial lines premium walk out the door because no one called those accounts at 90 days. Without systematic policy renewal tracking, you're handing your best accounts — the ones you already wrote — to the broker who simply showed up first.

New Producers Take 12+ Months to Produce

You hired a new producer six months ago. They still haven't closed a commercial account. They don't know how to ask about umbrella gaps, workers' comp class codes, or fleet auto thresholds. They can't cross-sell because they don't know what cross-sell opportunities even look like. Without AI-guided insurance agent software, your newest hires burn through leads and burn out before they ever build a book of business.

Coverage Gap Analysis on Every Call

Stop Pitching Rates. Start Finding Gaps.

Most insurance cold calls die in the first 15 seconds because the agent leads with "We can save you money." Clozo's AI insurance sales engine flips the script — literally. It generates policy audit openers that ask about their specific coverage: "When did you last review your umbrella limits relative to your current revenue?" Prospects lean in because you're talking about their risk, not your rates.

AI-generated audit questions tailored to SIC code, employee count, fleet size, and known lines of coverage (GL, WC, commercial auto, EPLI)
Discovery prompts that surface EMR scores, deductible thresholds, and multi-line bundling opportunities across P&C and benefits
Coverage-gap analysis cards in your call copilot — on screen throughout the call so you can flag missing cyber liability or inadequate umbrella limits the moment it comes up
AI competitor battlecards grounded in your agency's own win/loss record, surfaced in the call copilot so producers are never caught off-guard when a rival broker is named — free on every plan, including Free

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Clozo Hotline power dialer showing a prospect's deal value, win probability and deal health beside the AI Copilot call script

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Policy Renewal Tracking That Actually Works

Never Lose a Renewal to a Competitor Again

Every commercial policy has a fixed renewal date — miss the 90-day window and you wait an entire year. Put the expiration date on the account as a close date and a dated task, build the 90/60/30-day renewal cadence once, and enroll the account: emails send themselves on schedule and the calls land on the right producer's task list at exactly the right moment. Smart Queue then ranks your whole book on expected value, engagement, momentum, staleness and overdue follow-ups and builds each producer's dial list — transparent scoring, and it costs no AI credits. No spreadsheet. No missed renewals. No leaked premium.

Smart Queue loads up to 200 accounts a day in true priority order, scored on expected value, engagement, momentum, staleness and overdue follow-ups — and it costs no AI credits, because it is a transparent deterministic scorer rather than an LLM guess
The AI Co-Pilot regenerates the script after every recorded call, so a consultative opener ("Let's review your coverage") becomes a specific one ("Your GL renews in 22 days — here's what we found") as the account moves
Deal risk signals on every account — going dark, no next meeting booked, single-threaded, stalled in stage — computed continuously across your whole book from your live pipeline
A renewal cadence you build once and enroll accounts into: emails send themselves at 90, 60, and 30 days with merge-tag personalization, branch on opens, clicks and replies, and auto-exit the moment the client responds — while the call and check-in touches drop onto the right producer's task list

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Your Entire Agency in One Insurance Sales CRM

Every Tool an Agency Owner Actually Needs

Beyond the insurance dialer, Clozo gives your producers, CSRs, and agency principals one platform for both sales and marketing — from new business prospecting to renewal retention to cross-sell execution. Every call is recorded, transcribed, PCI-redacted and AI-summarized (conversation intelligence); every call, text, WhatsApp message, live chat, social comment and email you send sits in one client timeline (Unified Engagement); you run renewal email campaigns and social outreach from the same place (email & social marketing); and one AI reads across all of it to answer questions in plain English and re-score each account the moment a call finishes transcribing (Unified AI).

Book-of-Business Pipeline Built Around Renewals

Add, rename and reorder as many stages as your agency needs — per team, per line of business, per producer — cascading from one company default, and set each account's close date to its policy expiration. Deal risk signals then surface the accounts going quiet, and headline pipeline value is computed as a true SQL aggregate across your entire book, not a sampled page of rows.

Revenue Forecasting You Can Defend

Commit, best-case and weighted-pipeline forecasts side by side, broken out by stage and by producer, computed in SQL from your real stage probabilities and deal values — auditable, identical every time you load it, FX-normalized across every currency you write in, with accuracy tracked period over period. Available from Scaler.

Automated Renewal & Cross-Sell Sequences

Stop relying on sticky notes and calendar reminders. Build a renewal cadence once and enroll accounts into it — emails send on schedule, and the policy review calls and cross-sell check-ins land on the right producer's task list at the right moment. A cron-driven engine runs every five minutes, branches on opens, clicks and replies, and pulls anyone who responds straight out of the cadence with a hot-lead handoff task.

Carrier Win Rates & Coverage Analytics

Win-loss analysis breaks your closed business down by source, deal size, producer and competitor, with the loss reason recorded on every one — and win-loss talk tracks compare the language on your won accounts against your lost ones, so you can see which questions and objection responses actually correlate with binding. Stage-activity analytics show transitions, flow and revenue at risk, computed in SQL. Un-gated: there is no reporting tier in Clozo.

AI-Generated Insurance Cold Call Script

This Is What a Policy-Winning Call Sounds Like

Clozo's AI insurance sales engine generates scripts like this automatically for every prospect — tailored to their SIC code, lines of coverage, employee count, fleet size, and how many days until their policy renews.

Commercial Lines Opener — Renewal in 74 Days

Policy Audit Cold Call for Manufacturing Prospect (47 Employees, Fleet of 12)

"Hi [Name], this is [Agent] with [Agency]. I'm not calling to sell you anything today. I'm reaching out because we specialize in commercial coverage for manufacturers in [State], and I noticed your GL and commercial auto policies are likely coming up for renewal in the next 60-90 days. We've been saving companies your size 18-25% by catching gaps their current broker missed — things like inadequate umbrella limits for fleet operations or outdated workers' comp class codes after adding a second shift. Would you be open to a 10-minute policy audit? No obligation, and I'll show you exactly where you're exposed."

Discovery Question 1

Coverage Gap Probe — Cross-Sell Opportunity Detected

"Quick question — do you carry cyber liability or EPLI coverage right now? I ask because most manufacturers your size added those lines in the last two years after the underwriting requirements changed. If you don't have them, that's a gap I can flag before your renewal, and we can often bundle them into your BOP to keep the cost down."

Discovery Question 2

EMR Score & Workers' Comp Deep Dive

"Do you happen to know your current Experience Modification Rate? The reason I ask is that a lot of manufacturers are still paying premiums based on an EMR from two or three years ago. If your safety record has improved, we can go back to the carrier and get that recalculated — I've seen that alone drop workers' comp premiums by 12-15%. That's real money back in your pocket before we even look at the rest of the coverage."

Frequently Asked Questions

What is the best CRM for insurance agents?

The best CRM for insurance agents combines pipeline management with the way you actually sell — calls, texts, email, and follow-ups — in one place. Clozo is built for that: a full CRM plus a built-in dialer, business phone, and the full AI assistant. The CRM, the AI and a working inbound phone system are free forever for up to 3 seats; paid plans start at $79/user/month and add the outbound power dialer, SMS, WhatsApp, and email sending — with a playbook tailored to insurance agents.

Does Clozo work for insurance agents?

Yes. Clozo is used across insurance agents and ships with a configurable playbook for it — pipeline stages, scripts, and automated email cadences tuned to how insurance agents teams sell — so you're not forcing a generic CRM to fit your process.

How much does a CRM for insurance agents cost?

Clozo is $0 forever for up to 3 seats, and $79–$999/user/month on paid plans with the CRM, power dialer, business phone, email, and social all included and no setup fee, so insurance agents teams get a complete stack for one predictable price instead of paying for several separate tools.

Does Clozo include calling and texting for insurance agents?

Yes. Your company's own business phone number is free with every paid plan — pick a country and area code and it's live in about a minute, and extra numbers for more reps or markets are $4.99/mo each. Call recording, transcription, AI call analysis, and IVR are included on every plan, including Free; the outbound power dialer, SMS, and WhatsApp unlock on Launcher — so insurance agents reps can call and text leads directly from the CRM. One honest note: to text US numbers, US carriers require a one-time A2P 10DLC brand and campaign registration — bring your own registered Twilio or Telnyx messaging profile and connect it in Settings.

Can I import my existing insurance agents contacts into Clozo?

Yes. You can import contacts, companies, and activity history from Salesforce, HubSpot, Pipedrive, a spreadsheet, or a CSV in minutes — AI maps your columns and de-duplicates as it loads, and one-click migration is free on every plan, including Free — so your insurance agents pipeline moves over intact and your team starts selling right away.

Is there a free trial of Clozo for insurance agents teams?

Yes — start free for 30 days on any paid plan, no credit card required. You get every feature of the plan you choose, on starter allowances (200 AI credits, 15 outbound actions, 1 roleplay session) across 3 seats. Subscribe any time to unlock your plan's full monthly allowances. If you don't, your workspace simply moves to the permanent Free plan when the trial ends — you're never locked out, and everything you've built is preserved.

Does Clozo do sales and marketing for insurance agents?

Yes. Clozo runs both — CRM, pipeline, and calling for sales, plus email marketing and social publishing for marketing — so insurance agents teams manage the whole customer journey in one platform on one bill.

How does AI help insurance agents teams sell more?

Every recorded call is automatically transcribed and re-scores the deal — probability, risk, momentum, champion strength, and competitive position, with the reasoning shown. Before a rep dials, the AI Co-Pilot is already on screen with a script written for that exact prospect and the objections they're most likely to raise. It drafts follow-ups for you to approve, and deal risk signals — going dark, no next meeting booked, single-threaded, stalled in stage — flag at-risk deals early, so insurance agents reps focus on the right opportunities and never let a warm lead go cold.

What happens to my data if I stop using Clozo?

Your data stays. An expired subscription drops you to the permanent Free plan instead of locking you out, and nothing is deleted. You can export your leads as CSV on any plan, including Free — and every insurance agents lead, note, and record to CSV, JSON, or the read-only REST API on Scaler and above, anytime — so you're never locked in.

Can Clozo replace the multiple tools my insurance agents team uses?

Yes. Because Clozo bundles CRM, dialer, phone, email, and social into one platform, most insurance agents teams replace their CRM, calling tool, and outreach apps with Clozo — cutting cost and the busywork of switching between them.

Your Agents Are Drowning in Renewal Lists. Clozo Fixes That.